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Federal Direct Loans for Undergraduate Students

CU Boulder participates in the Federal William D. Ford Direct Loan program (known as Direct or Stafford Loans). The lender is the U.S. Department of Education rather than a bank or other financial institution. There are two types of Federal Direct Loans available for undergraduate students:

Subsidized loans are need-based and do not have interest accruing while you are in school or in deferment.

Unsubsidized loans may or may not be based on financial need and interest accrues while you are in school or in deferment.

Loan Features

Loan origination fee for both loans is 1.066%.

Repayment begins 6 months after you graduate, drop below half time, or withdraw. Learn more about managing repayment of your student loans.

Subsidized loans disbursed on or after July 1, 2012, and before July 1, 2014 are not eligible for subsidized interest benefits during the 6 month grace period after a student graduates or falls below half-time enrollment. Interest will accrue during the grace period and will be capitalized if unpaid by the borrower.